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Process for a 4th Citi card?

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IcyCool7227
Frequent Contributor

Process for a 4th Citi card?

I'm just curious. I'm staying in the garden for now but if someone wanted 4 Citi cards straight in a row (without applying for any other issuers) do that and be approved for all 4? Would they have to wait 65 days after the 3rd or does it reset to waiting 8 days again? I'm not asking just out of curiosity but for anybody else who may want to do that - would be a great data point!

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
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1 REPLY 1
coldfusion
Credit Mentor

Re: Process for a 4th Citi card?

 

It's a sliding window.  You'd only have to wait another 8 days after the 3rd application to technically be eligible to apply for card #4.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 2
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